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Liquor Liability Insurance

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Liquor Liability Insurance Provided By Our Agency

Serving alcohol at a special event or owning a business that serves alcohol always involves an element of risk. Liquor liability insurance protects your company against loss or damages claimed as the result of patrons of your business becoming intoxicated and injuring themselves or others.

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Third-party property damage
Third-party bodily injury
Increased cost of compliance
Libel and slander
Underage drinking

Third-party property damage coverage

Risk Factors

An intoxicated customer leaves your establishment and goes on to vandalize a building. Liquor liability insurance can pay for the damages and related legal expenses up to the amount of your policy’s limits.

Solution

Liquor liability insurance can cover the cost of repairing or replacing another person’s property that was damaged by an individual who became intoxicated at your business.

Third-party bodily injury coverage

Risk Factors

An intoxicated customer stumbles into another customer at your bar, who falls and breaks an arm. The injured customer sues to recoup the money spent on medical bills.

Solution

Suppose a patron who became intoxicated at your business injures another person. In that case, liquor liability insurance can help pay for immediate medical or legal expenses if the injured person sues your business. Your policy can cover the cost of your customer’s direct medical expenses, such as the ambulance ride and emergency room visit.

Increased cost of compliance coverage

Risk Factors

An overserved patron can cause accidental damage to his property or himself and file a lawsuit against you later.

Solution

If a lawsuit is filed over an incident related to an overserved patron, liquor liability insurance can help cover Court costs, Attorney’s fees, and Settlements.

Libel and slander coverage

Risk Factors

Libel and slander can make your business liable for any sort of expenses or damages to a person mentally or physically.

Solution

For claims of libel and slander, general liability insurance can provide protection, as long as the policy doesn’t have an exemption for alcohol-related claims.

Underage drinking coverage

Risk Factors

Though incidents related to underage drinking cannot be protected against with insurance, you may have legal recourse if the minor had a realistic-looking fake ID.

Solution

It is always better to consult your insurance advisor and get accurate coverage for the same.

What you should know about Liquor Liability Insurance

Liquor liability insurance helps protect a business that sells, serves, or distributes alcohol. This type of business insurance can help cover claims of bodily injury or property damage that an intoxicated person causes after a company serves them alcohol.

If your business gets sued, liquor liability insurance helps cover your:

  • Legal costs
  • Settlements or judgments
  • Repair costs to fix property damage
  • Medical bills to treat an injury

 The types of businesses that typically need a liquor liability insurance policy include bars, breweries, restaurants, liquor stores, convenience stores, wineries, grocery stores, and so on. Any business that sells alcohol, regardless of size, is exposed to liquor liability and could benefit from purchasing insurance. Sometimes, businesses are legally required to get this coverage before they are given a liquor license or a commercial lease.

What does Liquor Liability Insurance cover?

  • Assault and battery, like if a customer you served alcohol to physically hurts another person.
  • Drunk driving is if an intoxicated person your business served or sold alcohol damages property or causes an accident that leaves another driver with a bodily injury.
  • Property damage a customer under the influence of alcohol causes to another person’s belongings.

Liquor liability insurance is essential if your business is in a state with dram shop laws. These laws allow businesses to be held liable if they sell or serve alcohol to intoxicated individuals who cause injury or damage to property. Thirty states have dram shop laws in place.

Liquor liability insurance can be tailored to fit your business. For example, a bar owner may wish to add assault and battery coverage to protect against claims that a bouncer injured a customer or to secure coverage against employees drinking on the job. You can also secure coverage for specific incidents of violence, claims of mental damages, and more.

Different policies have different coverage limits so that you can choose an appropriate extent of coverage for your business. Talk to us to determine which coverage areas are most important for your business and to find a policy that provides appropriate coverage.

Already have Liquor liability insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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